Buyer beware. My dog has been on their policy over a year; I was told that policy no longer existed and was being replaced by a less expensive, policy that offered better coverage and more options. Malarky! My dog had an operation and they came back to say that he had to wait 6 months, even though he had already been on the policy for a year. Also, the old policy reimbursed 80% of neuter, now it is capped at $75.00. Misleading!